| Before you are able to legally drive on a UK road, | | | | almost always less than what you will have paid |
| along with a valid licence, TAX and MOT, you also | | | | for it originally. |
| require car insurance. Failure to comply with this | | | | Also, any alternations or modifications you make |
| can result in points on your licence, fines and in | | | | to your vehicle should be passed by your insurer; |
| some cases - a jail sentence. | | | | again, failure to do this could leave you with invalid |
| As vehicles can be incredibly costly to repair or | | | | insurance. |
| replace, car insurance protects you against having | | | | As mentioned, insurance can be purchased in a |
| to pay for any damages in the event of an | | | | number of ways, the quickest and easiest |
| accident. | | | | generally being online. As well as all the popular |
| The first part of applying for car insurance | | | | high street brokers having online facilities, there |
| involves completing a proposal, which can either | | | | are a number of comparison websites, which |
| by done by post, over the phone or online. When | | | | allow you to find the most competitive quote. |
| filling out your proposal it's important to be | | | | You are likely to get the option of paying for |
| completely truthful, answering all questions to the | | | | your insurance in a lump sum or instalments. |
| best of your knowledge; if unsure about | | | | Although instalments may be more manageable, |
| something, then its best to talk with the insurer. | | | | it's generally more cost effective to pay upfront |
| If you need to make a claim down the line, and it | | | | for a year or 6 months. |
| becomes apparent that you haven't been wholly | | | | Car insurance is easily obtained, be it online or |
| truthful in your proposal, then the insurer could | | | | through an insurance broker and with it being such |
| declare your insurance as null and voide, thus | | | | a competitive market, finding cheap car insurance |
| leaving you with a big bill on your hands. | | | | has never been easier. As mentioned, making use |
| It's important to note that when processing a | | | | of one of the many car insurance comparison |
| claim your insurance company will only pay out | | | | websites is a good idea. |
| the current market value of the vehicle, which is | | | | |